After enjoying this article you may also be interested in reading our Top 10 Best Life Insurance Companies, Our Best No Medical Exam Life Insurance Policies and visit our online Life Insurance Quoter that compares both Medical and No Medical exam life insurance options.
Whenever we get a call or a quote request from someone that is taking Atripla or one of its antiviral ingredents:
- And/or Tenofovir
And are wondering if they’ll be eligible for life insurance, we typically need to ask 2 questions right away.
- First, how much life insurance coverage are you looking for?
- Second, how old are you?
The reason why we ask these two questions first is because if you’re only looking for about $25,000 dollars in coverage, and you’re over the age of 45, there’s a really good chance that you might be eligible for what is called a guaranteed issue life insurance policy that would allow you to qualify for coverage without having to answer any medical questions or take a medical exam!
Atripla is a prescripton medication that contains a combination of of efavirenz, emtricitabine, and tenofovir which are all antiviral medications that are used to prevent the human immunodeficiency virus (HIV) from reproducing itself in the body.
Historically, for those who have tested positive for HIV, the idea of being able to qualify for a traditional term and whole life insurance policy simply wasn’t a possibility.
However as new treatments have become available and as HIV has transitioned from a “terminal” illness to a “chronic” condition, life insurance companies have begun to consider that “perhaps” being HIV positive shouldn’t be automatically viewed as an automatic DECLINE.
Now while we would love to say that the life insurance industry is in total agreement about this, the fact is that most life insurance companies simply won’t consider someone who is HIV positive eligible for a traditional term or whole life insurance policy. With one exception.
It is our understanding that Prudential Life Insurance Company has begun “testing” the idea of insuring those who are HIV positive. Now Prudential is only allowing their own “captive” agents and a few select agencies nationwide to “test” this new pilot program.
Unfortunately, we are not one of those agencies, but that does not mean that we don’t want you to have an opportunity to qualify for life insurance with Prudential Life Insurance Company if you would be eligible for their pilot program.
If you looking for more than $25,000 dollars in life insurance coverage and/or you’re less than 45 years of age, we would strongly encourage you to give Prudential Life Insurance Company a call at 1-800-778-2255 and see what they can do for you.
Now if you’re…
Only looking for about $25,000 dollars in coverage and you’re over 45 years of age, there should be plenty of options for you to choose from when it comes time to qualify for what is called a guaranteed issue life insurance policy.
Now these guaranteed issue life insurance policies will have some restrictions which is why we would recommend that you check out the following article:
then give us a call so that we can go over the specifics with you directly.
So what are you waiting for? Give us a call today and see what we can do for you!
Lastly, for those who would like to get an idea about how much their life insurance might cost before speaking with an agent, we would recommend that they check out our Final Expense Life Insurance Quotes page when you have a few moments to spare.
And since we still have your attention…
It’s fair to say that most people who decide to purchase a life insurance policy do so that they can protect their loved one’s financial future in the event of their death.
But what happens if you get sick but don’t die?
Is your family’s financial future still protected? Probably not. Which is why we would encourage you to also take a look at the following articles which will discuss some other “types” of life insurance policies that can not only protect your family’s financial future, they could also significantly help our your own as well.